AKAD MURABAHAH DAN IMPLEMENTASINYA PADA BANK MUAMALAT INDONESIA CABANG MANGGA DUA JAKARTA PUSAT 2017

Saleh, Rahman and , Dr. Sudarno Shobron, M.Ag. and , Dr. M. Mainudinillah Basri, M.A. (2018) AKAD MURABAHAH DAN IMPLEMENTASINYA PADA BANK MUAMALAT INDONESIA CABANG MANGGA DUA JAKARTA PUSAT 2017. Thesis thesis, UNIVERSITAS MUHAMMADIYAH SURAKARTA.

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Abstract

Muamalat Bank of Indonesia originated from a desire to establish interest-free bank, so that the operational principles used in its transaction are the principles of sharia or Islamic contract such as profit and loss sharing (mudarabah), sale and purchase (Murabahah), lease (ijarah) and deposit (wadiah). From those operational principles, the principle of sale and purchase implemented in Murabahah financing contract is the most popular operational principles practiced by Muamalat Bank of Indonesia one of which is mortgage financing (KPR) iB Muamalat. KPR iB Muamalat is a financing product that could help the customers in owning both new and secondary houses. This financing can also be used to take over mortgages from other banks, for home construction or home renovation. KPR iB Muamalat uses Murabahah contract which is a contract of sale of certain goods, the bank specifies the selling price consisting of cost of goods and certain profit level on that goods, then the buyer approve the seeling price. Murabahah as a contract in the product of Muamalat Bank Mangga Dua Branch must be applied in accordance with its requirements and conditions in Islam and by paying attention to the fatwa of DSN MUI and International fatwa. This thesis describes the implementation of Murabahah on KPR iB Muamalat at Muamalat Branch of Mangga Dua. This research uses a qualitative approach, a kind of field research with descriptive design. Data obtained through interviews and observations and in-depth analysis from various sources. The result of this study indicates that the Murabahah contract used by Muamalat Bank Mangga Dua Branch is not in accordance Murabahah requirements and conditions In Islam. In the practice of KPR iB Muamalat, the Bank requested the customers to purchase their own goods using wakalah contract while the bank does not own the house. Such practices include errors in the application of Murabahah schemes so that oversight of the Sharia Supervisory Board is required in supervising Murabahah practices at Bank Muamalat Branch of Mangga Dua.

Item Type:	Karya ilmiah (Thesis)
Uncontrolled Keywords:	Murabahah; wakalah, financing ; KPR iB Muamalat
Subjects:	H Social Sciences > HG Finance H Social Sciences > HJ Public Finance X General Subject
Divisions:	Fakultas Pasca Sarjana > Magister Hukum Ekonomi Syariah
Depositing User:	Unnamed user with username o000070085
Date Deposited:	17 Jan 2018 06:43
Last Modified:	24 Feb 2018 07:54
URI:	http://eprints.ums.ac.id/id/eprint/58194

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